A STRETCH
On $100,000/yr, the typical $375,358 home in Albany, NY needs $115,276/yr ($2,690/mo). Your gap: $-15,276 — housing would be 32.3% of your gross income.
The math
375,358 price − 10% down (37,536) = 337,822 loan
30-yr fixed at 6.95% on 337,822 = 2,236/mo principal+interest
+ 454/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,690/mo PITI ÷ 0.28 = 9,606/mo → 115,276/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Albany, NY?
You need about $115,276/yr for the typical home. That's $15,276 more than $100,000.